Easybuy API integration & Open Finance data (Nigeria BNPL)

Credit application pipeline API

Ingest normalized fields from the customer intake (BVN verification state, employment attestation, selected handset tier) and emit JSON that your CRM can diff against previous attempts. Useful for rerunning affordability models when regulators ask for consumer credit application status sync across subsidiaries.

Facility & schedule query service

Expose each active loan’s currency, principal, tenor, APR actually applied, next due date, and remaining installments. Treasury plugs the stream into cash forecasts; data teams join it with telco bundles (for example MTN Nigeria’s Easybuy-linked data allowances) to understand churn risk.

Repayment webhook & polling bridge

Subscribe to settlement events—successful debit, partial payment, NSF, manual adjustment—mirroring patterns from open-banking notification APIs. Collections teams trigger SMS or IVR workflows only when verifiable ledger movement occurs.

Statement PDF / CSV exporter

Batch-generate machine-readable statements that separate VAT-inclusive totals from statutory APR disclosures, matching the worked example in Easybuy’s consumer materials (₦100k at 15% total interest over 12 months). Accountants reconcile faster than copy-pasting from screenshots.

Agent-store attribution layer

Map financed devices to physical activation corridors using retailer IDs surfaced inside retailer workflows. Channel managers quantify whether Lagos versus Abuja agent networks drive healthier cohorts without scraping unstructured PDFs.

Risk signal enrichment adapter

Combine in-app behavioural markers (session length, repeated document uploads) with third-party bureau pulls you already license, outputting a single risk payload for cross-platform scoring against Branch or PalmPay histories.

Faster reconciliation with telco bundles

Because MTN Nigeria promotes Easybuy with recurring data allowances during repayment, operations teams must align telco billing files with handset loan schedules. Structured pulls remove the weekend spreadsheet matching that currently happens when only PDF contracts exist.

Portfolio analytics without guessing APR bands

Marketing copy lists 12–36% APR and worked examples at 15% total interest; engineering sees those numbers as columns, not prose. Analysts slice vintage curves using exact annualized rates rather than midpoint assumptions.

Vendor-neutral outputs

Deliverables emphasize ISO-8601 timestamps, REST-shaped JSON, and CSV companions so Snowflake, BigQuery, or proprietary cores ingest without rework. Where teams need SOAP bridges, we map fields rather than forcing a bespoke binary.

Login & session bootstrap (pseudocode)

POST /mobile/v1/auth/otp/start
Content-Type: application/json
X-Device-Profile: Easybuy/Android/34

{
  "msisdn": "+2348********",
  "channel": "MOBILE_APP",
  "captcha_token": "<PROVIDER_TOKEN>"
}

201 Response
{
  "challenge_id": "otp-7fa2…",
  "expires_in_sec": 300
}

POST /mobile/v1/auth/otp/verify
{
  "challenge_id": "otp-7fa2…",
  "otp": "******"
}

200 Response
{
  "access_token": "eyJ…",
  "refresh_token": "rt_…",
  "token_ttl": 3600,
  "kyc_tier": "BVN_VERIFIED"
}

Facility & schedule pull (pseudocode)

GET /customer/v2/facilities/active
Authorization: Bearer <ACCESS_TOKEN>
Accept: application/json

200 Response
{
  "facility_id": "EZB-493018",
  "principal_ngn": 100000,
  "tenor_months": 12,
  "apr_percent": 15,
  "down_payment_ngn": 30000,
  "schedule": [
    {"seq":1,"due_date":"2026-05-01","principal_ngn":7708.33,"interest_ngn":1250},
    {"seq":2,"due_date":"2026-06-01","principal_ngn":7830.21,"interest_ngn":1250}
  ],
  "linked_device": {"sku":"TEC****","retailer_code":"LOS-042"}
}

Webhook for repayments (pseudocode)

POST https://your.api/finance/hooks/easybuy
Content-Type: application/json
X-Signature: sha256=<HMAC>

{
  "event": "installment.settled",
  "occurred_at": "2026-04-19T08:11:02Z",
  "facility_id": "EZB-493018",
  "installment_seq": 3,
  "amount_ngn": 9583.33,
  "status": "SUCCESS",
  "instrument": "ATM_CARD",
  "idempotent_key": "settle-20260419-EZB493018-3"
}

422 handling: return { "retry": false } for business rule violations;
429/5xx triggers exponential backoff on sender side.

Carbon issues cards and Carbon Zero installments; its ledgers expose buy-now-pay-later style lines that finance teams often want to reconcile beside Easybuy facilities for customers who rotate between BNPL and card spend.

FairMoney mixes digital banking with personal loans; treasury groups sync its loan tapes with retailer finance programs to detect stacked obligations before approving another handset.

Branch focuses on instant credit—its payment histories help underwriters understand how nimble borrowers are when Easybuy installments overlap with micro-loan debits.

PalmPay anchors agent banking and wallets; handset sellers already route bill payments through it, so joint integration shows whether customers keep positive balances before Easybuy pulls land.

Specta (Sterling Bank) pushes high-ticket unsecured credit; analysts who model large-ticket electronics often pair Specta’s bureau outcomes with Easybuy’s retail-centric limits.

Renmoney serves salary-backed and SME loans; HR platforms sometimes export payroll-attestation feeds that echo the income proofs Easybuy agents capture in store.

Kuda delivers a cloud-native current account; customers fund Easybuy down payments from Kuda virtual cards, making joint statement exports valuable for affordability reviews.

OPay operates omnichannel payments—its transaction velocity data helps lenders distinguish gig workers from dormant accounts when approving 12-month handset plans.

M-Kopa monetizes asset finance in multiple markets; multinational investors compare its pay-as-you-go telemetry with Nigeria’s BNPL telemetry to benchmark default curves.

Stanbic IBTC advertises device financing linked to Easybuy retail flows; banks that already ingest Stanbic cores can route Easybuy exports into the same reconciliation jobs for customers who bridge bank-led and retailer-led offers.

Deliverables checklist

• OpenAPI specs for every endpoint we ship (auth, facilities, hooks)
• Protocol trace documenting TLS pinning, headers, refresh cadence
• Runnable Python or Node services with pytest / Jest coverage
• Operator runbooks: rate limits, incident bridges, DPIA appendix
• Partner test plan referencing MTN bundle edge cases where applicable

About our studio

We specialize in authorized app-interface integration—translating mobile flows into maintainable APIs for banks, retailers, and platforms that must stay inside regulatory guardrails. Our engineers mix fintech operator experience with Open Banking rollouts across multiple continents, so we know how to document risk controls—not just ship code.

• BNPL, micro-lending, telco bundles, and hardware supply chains
• Source code delivery from $300 with acceptance-based payment
• Pay-per-call hosted endpoints for teams that dislike fixed scope

Contact

Share your target app (here: Easybuy / ng.easybuy.client), data destinations, and compliance constraints. We respond with a fixed proposal and timeline.

Contact page

Engagement workflow

1. Scope workshop: datasets, refresh rates, residency
2. Protocol discovery with read-only instrumentation
3. Implementation sprint + sandbox shadowing
4. Hardening, documentation, operator training
5. Hypercare window with regression tests when the app updates